belly fat

Some of the worst cortisol advice online sounds very convincing...

If you’ve been waking up between 2-4. AM lately feeling simultaneously exhausted and annoyingly alert while craving carbs and side-eyeing anyone who chews food near you… your physiology may be trying to tell you something.


There’s a weird thing happening online right now where cortisol has become the villain for basically everything.

And listen… cortisol is important! If you've been here a while, you know it's a big part of what I help women with. But the conversation around it has gotten SO flattened lately, and it drives me a bit nuts.

I keep seeing women being told to avoid anything remotely stressful. No fasting. No cold exposure. No HIIT. No intense exercise. No pushing themselves physically. No discomfort ever. The female body is being talked about online like it’s this fragile little thing that can’t adapt to challenge without immediately falling apart hormonally, and that’s just not true.

The problem with that messaging is women then miss out on the benefits of these things too. Better insulin sensitivity. Better mitochondrial function. Better metabolic flexibility. Better resilience. Better body composition. Better energy. Better aging outcomes. We deserve those benefits too, don't we?! (Of course we do!) We just need to understand that female physiology is different and the application may need to be different.

Cold exposure is a perfect example. A protocol built around a 24-year-old guy named Bryce who listens to OptimizeBiohackingMaxxing podcast clips while dry scooping pre-workout and sleeping 5 hours a night maybeeee shouldn’t automatically become the protocol for a 47-year-old perimenopausal woman juggling stress, blood sugar swings, poor sleep, and three kids. 😂 (Seriously ... we know we get solid adaptations at a higher temperature for cold exposure than men's equivalent, and that's just 1 variable).

This is where nuance matters, and unfortunately, nuance is dying on the internet lately.

Especially now that people can type a prompt into AI and suddenly sound wildly confident while giving incomplete, wrong, or outdated information that sounds scientific enough to convince people they know what they’re talking about.



Ugh.

Women’s physiology done well is very, “it depends.” Cycle phase matters. Recovery matters. Blood sugar. Sleep. Overall stress load and capacity. Perimenopause / menopause changes things. Nutrient status matters. Nervous system state matters. A woman doing intense exercise sprinkled into her week while sleeping 8 hours, eating enough protein, recovering well, and supporting blood sugar is very different physiologically than someone running on caffeine until 2 PM, under-eating calories and carbs, sleeping 5 hours, and watching the news 8 times a day.

Cortisol itself is not bad. Cortisol is a survival hormone. It helps regulate blood sugar, blood pressure, inflammation, energy production, wakefulness, circadian rhythm, and immune function. You actually WANT healthy cortisol. You want it elevated in the morning so you feel awake and functional and motivated to exist as a human being. Then ideally it gradually lowers throughout the day so the body feels safe enough to rest and recover later at night.

That daily rise-and-fall pattern is key.

When cortisol rhythm gets dysregulated for long enough, women often start noticing this cluster of symptoms that doesn’t always feel connected at first -- feeling exhausted but wired at the same time, waking up between 2-4 AM, crashing in the afternoons, anxiety that feels incredibly physical, feeling overstimulated by normal life, shallow breathing, poor stress tolerance, cravings, worsening PMS, belly fat that seem impossible to budge, brain fog, heart palpitations, feeling on edge constantly, workouts feeling harder to recover from, and this general sense of their body not responding the way it used to.

One of the biggest things women miss here is how connected cortisol is to blood sugar.

When blood sugar drops too low, cortisol helps bring it back up because your brain needs glucose to survive. So if someone is under-eating, skipping meals, overtraining, living on caffeine, chronically stressed, not sleeping enough, or constantly riding that adrenaline-wave energy, cortisol may stay elevated more often because the body perceives instability.

This is also part of why cortisol gets tied into insulin resistance, prediabetes, PCOS, and abdominal fat storage. The body becomes more likely to store energy centrally when it perceives stress, unpredictability, or resource instability over time.

Something else that gets missed a lot is how much cortisol impacts fluid balance + vascular function. This is a big reason women under chronic stress start feeling puffy, swollen, inflamed, or like their body composition changed overnight. Cortisol interacts with aldosterone (which regulates sodium + water retention), blood vessel tone, circulation, and endothelial permeability — basically how easily fluid shifts in and out of tissues. When stress is prolonged, you can end up with more fluid being pushed into tissues instead of staying properly regulated in the bloodstream, which shows up as morning face puffiness, tighter rings during walks, abdominal bloating, and that 'soft / inflamed' feeling after poor sleep, travel, intense training, or higher sodium meals. And a lot of women mistake that as fat gain — but physiologically, it’s often stress chemistry + inflammation + recovery debt showing up as temporary fluid redistribution. This is also where a lot of “detox” behaviors backfire (over-restricting food, dehydration, over-exercising, trying to sweat everything out), because the body responds better to stability and adequate recovery than more stress.

And cortisol sits pretty high up in the hormone cascade, meaning it influences a LOT downstream. Thyroid function. Sex hormones. Blood sugar regulation. Inflammation. Sleep quality. Appetite regulation. This is why women often feel like everything is suddenly off at once.



And hardly any healthcare professionals will actually connect all the dots across all systems holistically, because that's not how they were trained and that's not how the system is set up.


I had a functional doctor once tell me my cortisol was higher than she had ever seen in anyone before. Not exactly the achievement badge I was hoping to collect... EVER. 😂 Looking back though, it made complete sense. I was overtraining, under-recovering, running on adrenaline, living in chronic stress, working overnights in a clinical setting, blood sugar all over the place, constantly pushing, constantly “on,” constantly in go-mode.

At the time I was also dealing with PCOS (PMOS), insulin resistance, prediabetes, and hypothyroidism — all of which I’ve since naturally reversed to the point that I no longer meet diagnostic criteria for any of them.

But it required understanding physiology differently! And doing things counter to what the professionals said. It wasn't just eat less and move more. It wasn't just “reduce stress.” It wasn't a blanket, "balance your hormones" thing. 

I had to understand circadian rhythm, actual recovery, blood sugar regulation, nervous system state, breathing patterns, muscle mass, stress adaptation, sleep quality, and how women’s physiology responds to different inputs on a cellular level.

One of the most interesting rabbit holes in all of this is breathing and CO2 tolerance.

Most people think oxygen issues are about oxygen. A lot of the time they’re actually about carbon dioxide tolerance. CO2 helps release oxygen from hemoglobin into tissues. When people chronically over-breathe — which is incredibly common in stress and anxiety states — they can blow off too much CO2, which may contribute to feelings of air hunger, anxiety, dizziness, panic sensations, poor exercise tolerance, and poor stress resilience.

This is where the BOLT test can help. It’s a simple and accessible way to look at CO2 tolerance and breathing efficiency. It's not used as a diagnosis, but as another window into nervous system patterns and stress physiology. I shared about how to do that here in this post.

Nervous system regulation is another thing that gets turned into vague internet fluff lately when it’s actually deeply physiological. It doesn't mean, "just be calm all the time." I mean, what?! Doesn't make sense and not possible anyway (have you seen .... things?!)

Nervous system regulation is breathing patterns. Blood sugar stability. Vagal tone. Sleep timing. Light exposure. Recovery. Safety signals. How the brain interprets stress. Whether the body feels like it’s constantly preparing for threat. And if your body responds appropriately -- fight or flight when someone nearly crashes into you on the highway, but back to calm within a few minutes. THAT is nervous system regulation. Appropriate and adaptive.

And interestingly enough, short intentional stressors can often LOWER baseline cortisol over time when appropriately dosed. This is the entire concept of hormesis and adaptation. Strategic stress with adequate recovery often makes the system more resilient, not less.

Strength training can improve stress resilience. Cold exposure can improve immune resilience. Intervals can improve insulin sensitivity and metabolic flexibility. And more.



(This was oversimplified b/c geez ... I can be so freaking long-winded!)



The goal isn’t removing all stress from life. The goal is improving adaptability. That’s a very different conversation.

Now… testing. This part gets complicated because cortisol fluctuates naturally throughout the day, so a single blood draw only captures one moment in time. Salivary testing can sometimes show rhythm patterns more clearly across the day, but results can still be influenced by sleep, illness, caffeine, medications, stress, cycle phase, timing, and lifestyle variables. Urine testing may add additional context in some cases, but none of these are perfect.

And unfortunately, some functional testing isn’t always covered by insurance because it exists outside standard conventional care models.

This is also why symptoms and patterns matter so much. I’ve seen women with so-called-normal cortisol labs who were very clearly physiologically struggling. And I’ve seen women improve massively not by removing every stressor from life, but by improving recovery, blood sugar regulation, sleep, nervous system flexibility, muscle mass, resilience, and overall metabolic health.

So what actually helps here is usually unsexy consistency. Make sure you’re actually eating enough overall — especially protein at most meals (roughly 30–40g is a helpful anchor for a lot of women). No steep calorie deficits. Don’t let the day turn into caffeine + adrenaline + “I forgot to eat until 3 PM” if you’re already waking at night or feeling wired / tired. Build muscle a few times per week so your body has a reason to improve glucose handling and stop behaving like it’s in scarcity mode. Walk daily, especially after meals if you can, because it’s one of the easiest ways to improve blood sugar without stressing your system more. Get morning light fairly early in the day to help anchor your circadian rhythm. And protect sleep like it’s the ginormous foundation it is — because under-recovered women just keep digging the hole deeper. The goal is reducing the constant physiological noise so your body can stop acting like it’s under threat all the time.


Some women also find a few well-chosen support tools helpful during higher-stress seasons — just as a buffer while the foundation improves. Things like magnesium glycinate for sleep and recovery, L-theanine for smoothing the caffeine/stress response, or ashwagandha to help modulate a chronically elevated stress load can be supportive in the background. The goal is never to rely on supplements instead of physiology — it’s to give the system a little more breathing room while the bigger pieces (food, sleep, muscle, stress, recovery) are getting back in place.


This whole space — women’s physiology, metabolism, cortisol, body composition, stress adaptation, hormones, behavior patterns, nervous system regulation — is basically my Roman Empire. I love this stuff so much because when women finally understand WHY their body has been responding the way it has, everything starts making more sense and there’s so much less fear around it. Plus, they start to trust that their body has actually been on their side the whole time and that allows the most beautiful progress.

Speaking of progress, I have a membership called The Metabolic Edge. I open it once a month only. Enrollment is officially open today and tomorrow, and this is exactly the kind of work we do inside.

The Metabolic Edge is my membership community for women who are tired of trying to piece together random health advice from 42 different people online and want one place where things actually connect. Workouts. Meals. Metabolism. Fat loss. Perimenopause. Cortisol. Nutrition. Blood sugar. Nervous system regulation. Mindset. Real-life consistency. It all works together because your body works together.

And one of the things women tell me over and over inside is that it finally feels manageable.

We're not doing overwhelm 'round here, ok? Ok! We're not obsessive. Indulgences are encouraged. So are real, healthy, VIBRANT results.


Most women inside are 35-60+ and they’re rebuilding trust with their bodies again. They want energy back. They want strength back. They want to stop feeling like they’re fighting themselves all day. They want workouts that build instead of deplete and can be done in 30-40 minutes. They want food to feel simpler. They want to understand what’s happening physiologically instead of blaming themselves constantly.

And they want support while they’re doing it.

That’s what this space is! You can join for $59 / month, no contract, cancel anytime, and start wherever feels most helpful for you. Doors close tomorrow night. Would love to have you inside! LEARN MORE AND JOIN HERE. <3



Stay wild + well,

Tara

P.S. In case you missed it:



My (maybe controversial?) take on how to improve the healthcare system


Update: I'll be taking my exam next month to become a Certified Menopause Practitioner through The Menopause Society and holy wow ... it's quite the monster of a vetting process to get this certification. I'm deep in studying daaaaaily and cannot WAIT to be able to serve the peri / menopause women even better. Fingers crossed!


P.P.S. Things I'm loving lately:



I love that a 6-minute session with my Pulsetto (discounted affiliate link) improves my vagal tone and helps bring me back to a parasympathetic state. It's not a necessity! There are lots of ways to do this for free (humming / singing / chanting and more), but having this device is very much appreciated and utilized. As someone who leans very sympathetically-dominant, I'll take all the help I can get!



Hear me out, this is very specific: 5 minutes of grounding and sunshine in a dress. Being barefoot on my grass, getting some vitamin D, a little sun on my legs, and not having to choose a top AND bottom to wear... sometimes it really is the little things, ya know?



L-theanine. I like taking this with coffee for a less jittery experience. It can help with nervous system regulation, cortisol, and sleep too. Just a heads up: some people develop WILD dreams or nightmares while taking this and if it's so vivid that it's troubling, you may want to consider stopping. Also, I'm loving it but that doesn't mean it's great for you. Check with your provider first.

Stubborn belly (visceral) fat explained

Ok, sooooo...


Visceral fat is the belly fat most people are actually worried about, even if they don’t know the term.

It’s not the soft, pinchable fat under the skin. It’s the deeper fat that wraps around your organs. And unlike subcutaneous fat, it’s metabolically active.

Which is why it’s such a pain.

Visceral fat releases inflammatory compounds, worsens insulin resistance, and is tightly linked to blood sugar issues, cardiovascular risk, and that stubborn midsection that seems to ignore your best efforts.

One thing that helps people feel less crazy is knowing this ... your body tends to defend visceral fat. So if you’ve ever thought, “Why is this the last place to change?” you’re not imagining it. Your biology is doing exactly what it thinks it’s supposed to do.

That’s also why “just eat less and move more” so often falls short here. It's not that energy in, energy out doesn't apply to your midsection (it still does!), but we are most effective when we learn how to communicate to our body that the fat there is ok to be used up as fuel in a deficit. We do this by sending your body multiple signals that it’s safe, supported, and doesn’t need to cling to that fat anymore.

Here are eight ways to do that, without breaking the laws of physics or your sanity.

  1. High-intensity intervals
    You need brief intensity. Think 20–30 seconds of hard (sprint level) effort followed by recovery. Sprints, bike intervals, fast uphill walks. Aim for 1-3 short sessions per week, 5–15 minutes. This improves insulin sensitivity and targets visceral fat more effectively than steady-state cardio alone.

  2. Strength training
    Muscle is metabolic leverage. Focus on big, boring, effective lifts: squats, hinges, presses, rows, carries. Three full-body or 2 upper / 2 lower sessions per week is plenty. The goal isn’t exhaustion, it’s building tissue that gives your body somewhere useful to send energy.

  3. Protein + insulin management
    Visceral fat responds quickly to insulin spikes. Plan each meal around a solid protein source, then add fiber and carbs after. You don’t need to cut out carbs. You do need structure. If your plate starts with protein and fiber, your blood sugar stays calmer and visceral fat becomes easier to mobilize.

  4. Sleep + circadian rhythm
    If sleep is off, belly fat fights back. Aim for 7–9 hours, consistent timing, and get morning light exposure. Even 10 minutes outside early in the day helps regulate cortisol. This is one of the least glamorous but most powerful levers you have.

  5. Stress management
    Chronic stress tells your body to store energy. You don’t need to become a zen master (imagine?!). Just pick one daily nervous-system downshift: breathwork with a longer exhale than inhale, a slow walk, journaling, stretching, or five minutes alone without a screen. Lower cortisol changes where fat is stored.

  6. Cold exposure + thermogenesis
    Cold is a metabolic signal. Cold showers, cold plunges, or simply spending time in cooler temperatures can increase energy expenditure and improve insulin sensitivity. Start small. Even 30–60 seconds at the end of a shower counts.

  7. Gut health and fiber
    Fiber isn’t just about digestion. It affects blood sugar, insulin, and fat storage signals. Aim to add, not restrict. Beans, lentils, vegetables, berries, oats, basil seeds. If you struggle here, start with one fiber-rich food per day and build from there.

  8. Red light therapy
    This is a nerdy add-on, not a necessity. Red and near-infrared light stimulate mitochondria inside cells, including fat cells. That makes stored fat more likely to be broken down into fatty acids. It doesn’t burn calories for you, but it can make stubborn areas more willing to release fat when paired with movement and a slight calorie deficit. Basically, a (slight) calorie deficit tells your body to burn stored energy, and signaling like this and the above can direct it towards using visceral / belly fat as that stored energy more willingly. This is the red light device I use for all the things -- face, scalp, belly, thyroid, injuries, scars, cramps, sore muscles, mood -- and is 43% off now with my link.

None of these work in isolation. Together, they change the internal environment of your body so visceral fat is no longer being aggressively protected. That’s when things start to shift.

If this kind of biology-first approach resonates, and if you want support putting this into practice without turning it into a full-time job, that’s what we do inside The Metabolic Edge. It’s where women learn how their bodies actually work, get all the tools and support, and get leaner, stronger, and more in control over time.

No extremes or fear tactics ... just smarter strategy.

Stay wild + well,
Tara

Are you "skinny fat"?

Why "skinny" is a scam ... the sneaky way your body could be holding onto excess fat.




First of all, just in case you're new around here, fat is IMPORTANT. The fat we eat. The fat we have on our body. Important! Helpful. Needed. Nothing I share is EVER about denying this fact or any kind of shaming. My goal is always to help you feel your best and optimize your health while achieving your body composition goals.



So ... have you ever been told you're "skinny fat"?


Ever feel like your body is playing an elaborate prank on you? You’re not technically overweight, but you also don’t feel strong, energized, or remotely like the thriving human you’re trying to be. Maybe your arms feel kind of squishy, your waistline isn’t where you’d like it, and despite eating what should be healthy and exercising, your body is just… not cooperating.

Welcome to the frustrating-but-fixable world of skinny fat -- where your body is holding onto fat while quietly ditching all the good stuff like muscle, bone density, and metabolic efficiency. And spoiler: this isn’t just about looks. It’s a major metabolic red flag.

What Exactly is “skinny fat”?


Skinny fat, or metabolically obese normal weight (MONW) (yes, science is just as rude as the internet), happens when you’re at a normal weight but have a higher body fat percentage than what's considered healthy — paired with lower muscle mass.

And here’s where it gets interesting -- people who store fat easily actually have a protective advantage. Their bodies make new fat cells to store excess energy safely. But if your body doesn’t do that well, fat has to go somewhere -- and that somewhere is inside your organs, muscles, and liver, where it wreaks absolute havoc. This is called ectopic fat storage, and it’s like stuffing a storage unit past capacity until the doors burst open. Only instead of an avalanche of Amazon impulse buys, it’s inflammation, insulin resistance, and metabolic dysfunction.

People with this type of fat storage tend to “look” fine longer -- but they get sicker faster. They don’t have the visual warning signs of weight gain, so by the time blood sugar, cholesterol, and hormone levels wave the red flag, metabolic damage is already well underway.

Signs this might be happening:

  • You feel soft instead of strong, even though you work out.

  • Your clothes fit weird -- somehow tight and loose at the same time.

  • You don’t weigh much, but you struggle with stubborn fat.

  • Your energy fluctuates wildly, and sugar cravings own you.

  • You’ve been told you have blood sugar issues, high cholesterol, or inflammation, even though you’re “not overweight.”

 

"Ok, but what causes it?"

 

It’s not just about eating too much or skipping the gym -- this is a metabolic issue. Your body is constantly making decisions about what to store, burn, or break down based on input from food, movement, stress, the environment, sleep, temperature variability, etc. And if the wrong signals are being sent? Muscle loss and fat storage become your body’s default settings.

*Chronic dieting & undereating: If you’ve ever aggressively cut calories, your body may have responded by burning muscle instead of fat. Muscle is expensive to maintain, and if your body thinks famine is coming, it hoards fat instead while burning more of the "other stuff".

*Skipping strength training: Your body needs a reason to keep muscle otherwise it won't. If your workouts are mostly cardio, you’re not giving it that reason -- so it prioritizes fat storage instead.

*Low protein intake: Protein is the raw material for muscle. If you’re not eating enough, your body doesn’t have the building blocks to maintain or grow it.

*Blood sugar rollercoasters: If your meals spike and crash your blood sugar all day, insulin gets thrown off, fat storage gets prioritized, and your metabolism slows down.

*Chronic stress + poor sleep: High cortisol (hello, life) drives fat storage and muscle breakdown, especially in the belly area. If you’re constantly stressed and underslept, your metabolism is not thriving.

Let me introduce you to past-me: a person who exercised daily, ate "clean" (whatever that means!), and was somehow still dealing with a body that felt out of sync. I was exhausted, moody, and despite doing 'all the right things', I was very unwell!

Turns out, I had a VIP pass to metabolic dysfunction. PCOS, insulin resistance, prediabetes, and hypothyroidism -- a delightful cocktail of conditions making my body resistant to fat loss, prone to muscle loss, and perpetually tired.

I wasn’t just dealing with body composition issues, I was experiencing real metabolic dysfunction. And nobody had ever explained this to me. 

The shift happened when I stopped focusing on restriction and started focusing on metabolic health. I prioritized muscle, blood sugar balance, stress resilience, and supporting my metabolism instead of punishing it. And then? I became present me. :-) Much healthier in my 40s than I ever was in my 20s or 30s.

The good news is this is totally reversible, and you don’t have to give up carbs, fun, or your will to live.

1️⃣ Eat more protein: Aim for 1g per pound of your ideal body weight. Protein tells your body to hold onto muscle instead of breaking it down.

2️⃣ Strength train 3-4x / week: Muscle is your metabolic insurance policy. Give your body a reason to keep it.

3️⃣ Balance blood sugar: No solo carbs. Eat protein, fat and fiber alongside your carb intake. This reduces glucose spikes and prevents fat storage.

4️⃣ Prioritize sleep + stress Management: Blah blah blah. Easier said than done, right? But really important! Poor sleep and chronic stress drive muscle loss and fat storage. Fix these, and your metabolism will thank you.

5️⃣ Stop dieting: If your maintenance calories are too low (think 1,200-1,500), that’s a red flag. That’s not just “how your body is” -- it’s a sign your metabolism needs support.

6️⃣ Move more (not just workouts): Walking, stretching, kitchen dance parties, 10 air squats after meals ... small movements throughout the day matter just as much as workouts for fat loss and metabolic health.

Being “skinny fat” isn’t just about aesthetics ... it’s about longevity, energy, and feeling strong in your own body. If you’ve been struggling, your metabolism likely needs more support, not more restriction.

Let me know -- which of these steps surprised you the most? Want me to break any of them down further?

XO,
Tara

P.S. Something new is coming soon -- something built just for women who are done feeling weak, tired, and stuck. No diets. No nonsense. Just real results, real strategies, and a real community to help you make it happen. Stay tuned. 😉

Is that a protein bar...or a carb bar?

As a health coach - slash - nutritionist - slash - personal trainer - slash - RN, you can imagine that while I work with lots of ‘general health’ requests, weight loss is a top priority for many of my clients.

One of the most common mistakes I see people make on their weight loss journey is mislabeling their food groups. Watch the video below to find out if you, too, are making this common mistake. The good news is that with a few simple swaps, you may be right back on track with your weight loss goals.

If these videos are helping, make sure you sign up for my newsletter list so you don’t miss any!

“See” you soon!

In good health,

Tara

The 6 components of any successful weight loss program

The weight loss industry can be maddening!!

Am i right?!?

When you're looking for a coach or program to help you lose weight, you may be wondering what it is that you should be looking for.

Watch the video below to learn about the 6 components of any successful (sustainable!) weight loss program. Please do not go with something or someone that does not address all of these 6 pieces of the puzzle!

Here is some more information about my coaching program, Pioneer Fitness and Nutrition Coaching

In good health,

Tara